Quote from roser13
I have it. Primarily because my husband was unexpectedly disabled and I learned from his experience.
Quote from RNBelle
My dad had ALS for 2 yrs before he died and his long term disablity plan helped out tremendously. I will NEVER go without disability insurance.
I'm a big believer in short term and long term disability insurance. My husband became eligible for LTD insurance when he was around 43. It was cheap, through his company. The chances of someone becoming actually *disabled* were not nearly as great as say, being in a car accident or needing a knee replacement so I thought, oh heck why not?
Well. Four years later DH got sick, really sick. Progressively sick. In and out of hospitals, on oxygen, multiple medical interventions. As a result of the demands of his illness, I was unable to work more that a couple days a week.
Our whole life went out of control. If it had not been for LTD we would have lost the house, the cars, everything. It took over 3 years for him to be granted SSDI. In the meantime, LTD kept a roof over our heads and food in my kids' mouths. I will shout it to the mountaintops: BY HOOK OR BY CROOK, GET YOURSELF SOME DISABILITY INSURANCE. If you never use it, great. But in the event that something truly terrible happens you won't be completely left out to dry.